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Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
When the toothache won’t wait…
Dental Loans
for the gap between quote and paydayPain does not follow the extras cycle. A CashnGo dental loan of up to $5,000 can cover an emergency visit, a gap fee or a planned treatment, with the cost clear before you sit back in the chair.
Choose your loan amount
$300
Choose your repayment term
$16.62/week
$33.23/fortnight
4.8/5 8,873 Reviews
4.9/5 6,960 ReviewsThis calculator provides indicative interest rate and repayment estimates across CashnGo's lending products for general guidance only. It does not constitute an offer of credit. Actual loan terms, rates, and fees may vary based on your circumstances, our credit assessment, and responsible lending obligations.
- Quick, not rushed Apply online in about five minutes. Most people receive an outcome in seconds; some applications need a closer look.
- A licensed direct lender You deal with CashnGo from application to final repayment — no broker or lead-selling middleman.
- Know the cost first Your fees, repayment schedule and total are shown before you decide whether to sign.
Dental Loans
Get the treatment, then spread the gap
A dental loan is a personal loan used for dental care: an emergency extraction, a root canal, a crown, a filling the extras only partly cover, or a gap the fund will not. CashnGo pays you, so you stay a patient of your own dentist.
Check extras cover and ask the clinic about a payment plan first. If a gap remains, Small Loans run from $300 to $2,000 and Medium Loans from $2,100 to $5,000.
Same-week treatment, not a same-week money spiral
Take the written quote, run the calculator, and borrow that figure. Relief should come from the dentist, not from guessing a bigger loan “just in case”.
What is a dental loan?
It is an unsecured personal loan for dental treatment, not a health-fund product. Private extras can rebate part of a bill; they rarely cover it all, and waiting periods can get in the way of an emergency. A CashnGo loan fills that gap when the clinic needs payment and you would rather not delay care.
Implants and larger cosmetic dentistry often cost more than $5,000. Those quotes usually need clinic finance or a longer personal loan. Use CashnGo where the number on the quote actually fits our range.
Ask the dentist the money questions too
What is urgent versus what can wait a fortnight? Is there a staged plan? Will they accept a deposit today and the balance later? Those answers can shrink the amount you need to borrow.
If dental costs are one bill among several you cannot meet, call the National Debt Helpline on 1800 007 007 before taking on more credit.
Applying for Dental Loans
From the treatment plan to a repayment plan
Use the dentist’s quote, choose that amount, apply online and read every fee before you accept.
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Quick & easy application
Apply online in around five minutes. We’ve kept the questions simple and the unnecessary paperwork out of the way.
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Safe & secure
Your information is handled securely and confidentially, so you can apply with confidence from wherever you are.
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A quick decision
Our smart technology assesses your application quickly, so you can get an outcome in seconds where possible.
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Fast funds
Once approved, we’ll transfer your funds within seconds. Depending on your bank, it may take a little longer to arrive.
Dental Loans rates, fees and features
Compare our Small Loan and Medium Loan side by side. The amount, term and full cost offered to you will be shown before you sign.
Small Loans $300 – $2,000 Fee-based, so there is no interest and no APR
Loan term
62 to 180 days, which is roughly 3 to 6 months
Establishment fee
20% of the amount you borrow
Monthly fee
4% of the amount you borrow, every month
Interest rate (APR)*
Does not apply. These loans are fee-based only, so the APR is not applicable
Maximum comparison rate**
Does not apply
What that looks like
Borrow $1,000 over 3 months and you repay $1,320 — your $1,000 back, a $200 establishment fee and $120 in monthly fees
Usually used for
Car repairs, a vet bill, a rent gap or a bill that landed before payday
Medium Loans $2,100 – $5,000 One establishment fee plus a capped interest rate
Loan term
3 to 12 months
Establishment fee
$400, charged once
Monthly fee
None. Interest applies instead
Interest rate (APR)*
Up to 48% p.a.
Maximum comparison rate**
65.6597% p.a.
What that looks like
Borrow $3,000 over 12 months and you repay $4,289 in total, including the $400 establishment fee
Usually used for
Larger one-offs like a used car, a house move or dental work
We're with you
Clear costs before the treatment starts
Apply online, review every repayment and reach a real Australian team when you need help. CashnGo has received five ProductReview.com.au awards in six years.
How It WorksWe could brag. But our customers do it better
See Reviews and FeedbackDental Loans questions, answered
Gap fees, emergency visits, extras cover and how a CashnGo dental loan works.
A dental loan is a personal loan used to pay for dental treatment. CashnGo offers up to $5,000 unsecured, paid to your account after you accept an approved contract, so you can settle the clinic yourself.
Yes. Emergency visits, extractions, root canals and similar urgent treatment are common purposes. The application is online, so you can apply once you have a quote from the clinic.
Sometimes. Check your fund’s remaining extras, waiting periods and annual limits. A loan is for the gap, not a replacement for insurance you already have.
No. We transfer approved funds to your nominated bank account. You pay the clinic under their usual terms.
Only if the amount you need is $5,000 or less and the repayments fit. Larger cosmetic or implant quotes usually need clinic finance or a longer personal loan from another lender.
About five minutes, with many people receiving an outcome in seconds. Some applications need extra information. We send approved funds after you sign; your bank controls when they appear.